Download the OCF-1 Form for Accident Benefits 2024
verified information
Information verified by Adeline Harmant
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyWhether you are at fault or not, if you have been injured in an accident in Ontario as a cyclist, motor vehicle, pedestrian, or any other transportation mode, you are entitled to claim the Accident Benefits Application Package.
Would you like to know how to fill out an OCF-1 Form and where to send it? You've come to the right place!
Find everything you need to know about the OCF-1 Form for Accident Benefits in our guide here including where to send it and tips to make sure you do it right.
Download the OCF-1 Form for Accident Benefits
Here's the OCF-1 Form in a PDF format. Download it for free:
Good to know
The OCF-1 Form is only a part of the total Accident Benefits Application Package. Check which other OCF forms you should fill out and send it all together with this one. To access the other forms, scroll to the bottom of this guide.
Car insurance is mandatory in Ontario. To get the best offer possible, check out car insurance offers in Canada with our free comparison tool below. Get free personalized quotes from Canada's best providers now!
Compare Canada's best car insurance plans
What is an OCF-1 Form?
You should fill out the OCF-1 form for Accident Benefits only when you are applying for the first time for Accident Benefits after an automobile accident. This is also valid if you are injured and are applying for Income Replacement Benefits.
The OCF-1 form is the first part of your total application for accident benefits and is also one of the most important. Even if you are retired from your job, or unemployed at the time of the accident, you may still be entitled to weekly Accident Benefits. You must return to completed OCF-1 form within 30 days.
If you're unable to do so, then you can still submit it to the car insurance company you are claiming accident benefits from and explain why you couldn't submit your application within 30 days.
Good to know
Always make a copy of the OCF-1 and keep proof of sending it. But send the original application to the insurance company.
The OCF-1 form allows you to claim for:
- Medical and Rehabilitation Benefits: For medical treatments not covered by other insurance. For example: physiotherapy, chiropractic or massage, psychological, and occupational therapy.
- Income Replacement Benefits: Compensation for lost income if you can't work due to injuries.
- Non-Earner Benefits: For those who can't return to normal life but don't qualify for income replacement.
- Attendant Care Benefits: For costs of personal care assistance due to injuries.
- Death and Funeral Benefits: Lump-sum payments for the family of the deceased to cover funeral expenses.
- Other Expenses: Includes costs for dependents, damaged personal items, and employment training.
Watch out!
All accidents must be reported to the police before claiming any benefit to any insurance company.
Where to send the OCF-1 Form?
Depending on how you've been injured in an automobile accident, you must complete and return the OCF-1 Form to different companies:
| Situation | Where to send the OCF forms? |
|---|---|
| If You Own, Lease, or Have Regular Use of a Company Automobile | Send the OCF-1 Form to the insurance company that insures the vehicle, or in the case of leasing, to the insurance company that insures the car in which you were an occupant. |
| If You are a Listed Driver | If you are listed as a driver on somebody's insurance policy, send the OCF-1 Form to the insurance company that issued the policy you are listed on. |
| Occupant of Somebody Else's Automobile | If you are an occupant of somebody else's automobile that was insured at the time of the accident, send your OCF forms to the insurance company that insures this automobile. |
| Pedestrian or Bicyclist | If you are a pedestrian or a bicyclist struck by an automobile that was insured at the time of the accident, send your OCF forms to the insurance company of the automobile that struck you. |
| Uninsured Automobile | If you are an occupant of an automobile that was not insured at the time of the accident, send your OCF-1 Form to the insurance company of any other automobile that was involved in the accident. |
| None of the Above Apply | You may be able to obtain Accident benefits from the Motor Vehicle Accident Claims Fund (see Part 11). |
What is the OCF Accident Benefits Application Package?
In Ontario, when you are injured after an automobile accident and you need to claim benefits, you first need to complete the right Auto Insurance Claim Forms in Ontario. To get Statutory Accident Benefits, you will need to send at once several forms depending on your situation and what you are claiming after the accident.
All those forms are part of the Accident Benefits Application Package. Find them all below:
Expert advice
To know which OCF forms you need to fill out for your application to be complete, you can make a quick phone call to your insurance company upfront.
Once your insurer has received your application, you will be contacted to know which benefits you can get. They will tell you if there are missing information.
If you still don't have car insurance or are looking to change your provider, you can do it right here. Use our free comparator tool below to explore the best car insurance plans in Canada and get free personalized quotes.
Save on car insurance
Our top 5 tips to properly fill out the OCF-1 Form
Keep these things in mind before filling out the OCF forms and claiming accident benefits:
- Tip #1: Seek for legal advice to be sure you are correctly claiming benefits.
- Tip #2: Clearly print your form.
- Tip #3: Send it to the right people and make sure they return it to your insurance company.
- Tip #4: Do not complete the health information disclosure without knowing what will be shown exactly to your employer or insurance company.
- Tip #5: Never lie about your application to get your benefits, this is a criminal offense punished by the law.
